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    • Referring back to to your initial post... So not a judgment ?
    • I have never heard of any such law. Please post a link to what you have read online that explains this law. And please confirm whether you were ever married to or in a formal Civil Partnership with your Ex.
    • Today has been hectic so  have been unable to complete the whole thing. If you now understand it and want to go ahead with a complaint to the IPC, fine. If not then I won't need to finish it. But below is my response to your request  on post 64. No you don't seem stupid, the Protection of Freedoms Act isn't easy to get one 's head around at first. The part of the above Act referring to private parking is contained within Schedule 4 which you can find online under the Protection of Freedoms Act 2012. Section 9 of SCH.4 relates to how the parking scrotes have to perform so that they can transfer their right to pursue the keeper from the driver when the PCN is still unpaid after a certain amount of time. In your case the PCN was posted to you the keeper and arrived within 14 days from when they claimed a breach occurred. That means they complied with first part of the Act. The driver at that time was still responsible to pay the charge demanded on the PCN and PCM now have to wait for 28 days to elapse before they can write and advise the keeper that as the charge has not been paid, that they now have the right to pursue the keeper. They claim they sent the first PCN on the 13th March, five days after the alleged breach and it arrived on Friday 15th March. So to comply with the Act they have to observe Section 8 subsection 2f   (f)warn the keeper that if, after the period of 28 days beginning with the day after that on which the notice is given— (i)the amount of the unpaid parking charges specified under paragraph (d) has not been paid in full, and (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid. ---------------------------------------------------------------------------------------------------------------------------------------------So the first PCN was deemed to arrive on the 15th March and for 28 days to have elapsed is when the time is right for them to write and say you are now liable as keeper. So they sent the next PCN on the 12th April which is too early as you could still have paid until midnight of the 12th. So the earliest their second PCN should have gone to you was  Saturday 13th April so more likely on Monday 15th April. The IPC Code of Conduct states "Operators must be aware of their legal obligations and implement the relevant legislation and guidance when operating their businesses." So by issuing your demand a day early, they have broken the Act, the IPC Code of Conduct, the DVLA agreement  to abide by the law and the Code of Conduct not to mention a possible breach of your GDPR .   I asked the IPC  in the letter on an earlier to confirm that  CPMs Notice misrepresenting the law was a standard practice for all of PCMs Notices or just certain ones. Their distribution  may depend on when they were issued and whether they were issued in certain localities or for certain breaches. Whichever method used is a serious breach of the Law and could lead to PCM being black listed by the DVLA . One would expect that after that even if the IPC did not cancel your ticket, PCM could not risk going to Court with you nor even pursuing you any further.
    • thanks jk2054 - do you know any law i can quote (regarding timeframe) when sending the email as if i cant they'll probably just say no like the normal staff have done? thanks.
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overflow v Halifax


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OMG what have I done.

 

Ive just come off the phone after speaking to A Baker.

 

Told him I wasnt happy with the amount offered me and that although I no longer wanted to go for the CI rate I did not consider their offer to be what I requested on the spreadsheet relating t the 8% claim.

 

I said that I based this upon the charges levied on my account from 1999.

 

Told him I had done another spreadsheet but instead of 1999 I based it from charges 2001 and that their offer was more in line wih this date, therefore I considered myself as not being paid all my charges.

 

He said that their policy was only to go back 6 yrs .

 

I said I thought that they would quote the SoL but that as this can no longer be enforced that I wanted reimbursing for the dates 1999-2007.

 

He went off the phone for a while then said that NO they didnt do that.

 

I reminded him thatI sent a letter of rejection on 10th , the same day as they had put money into my account, authorising them to take the money back out if they did not agree to paying in full.

 

He said that I could leave the money in and if it did go to court thn I would be paid out on the remainder (if I was successful)

 

I SAID NO I WOULD RATHER YOU TAKE IT OUT:eek: .

There I go running my mouth again.

 

He said he would arrange that and he would get in touch with their Legal Dept to tell them of my intentions of carrying the claim on.

 

I reminded him they only had till the 23rd to file defence and asked him if it were possible to get it in writing that they wont pay out more than 6yrs, that they have based my offer on only last6yrs not from 1999.

 

He of course declined .(now theres a suprise):roll:

 

Anyway I stressed upon him that I intend to go to Court for the full amount then +8% + £120.00 Court Fee ( and who knows if it goes this far I may claim for my costs of time as well, or is that pushing it).

 

I reminded him that it is only about another £300 pounds I am talking about.

 

SOOOOOOOOOO Have I shot myself in the foot?

 

Id love some veiws and advice. I see it now as a matter of principle, ITS MINE AND I WANT IT.

 

I envisage it now , Me in Court th Judge shaking his head and saying ,

" Well Mrs Overflow, you and your principles eh. No money for you then. You had it and now its been taken away. Boo Hoo.

You should have taken the money and let them keep the extra , now you must pay them £10000000000 for the hard work they have had to do in pressng a button and taking your money out . Its your own fault, so there, Nah Nah Na Na Nah".

 

Many a true word spoken in Jest eh!

Oh well if I do end up with ziltch then at least Ill know that I tried ,gone down fighting so to speak.

 

Right now Im just going to go and sit in the corner and cry a little bit before taking myself in hand and gving me a good bitch slapping for being so B****y pedantic.:Cry:

 

Regards

30-12-2006--Requested statements from Local Halifax.

02-02-2007--Statements Recieved.

18-04-2007--Prelim sent.

20-04-2007--Reply , Thanks , give us 8wks letter.

02-0502007--Sent L.B.A. & Schedule of Charges

11-05-2007--Recieved reply ,still investigating.

17-05-2007--Sent Amended L.B.A. for Contractual Interest this time.

14-06-2007--Received standard Bog Off letter.

13-06-2007--Took N1 to Local Courts.

26-06-2007--Copy of N1 from Court, issued 21-06-2007. to Halifax, Deemed Served 25-06-2007

Have till 09-07-2007 to file Defence.

05-07-2007--Note that Acknowledgment of Service been Filed on 29-06-2007.

Have 28 days from date of Service to File Defence.

07-07-2007--Offer from Halifax.

09-07-2007--Rejection letter sent to Halifax. Next day delivery.

10-07-2007--Money put in Account:mad:

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Forgo to mention that I said Ive been on this site and tha there are numerous cases where people have had claims for over the 6 yr limitation and have been successful:)

30-12-2006--Requested statements from Local Halifax.

02-02-2007--Statements Recieved.

18-04-2007--Prelim sent.

20-04-2007--Reply , Thanks , give us 8wks letter.

02-0502007--Sent L.B.A. & Schedule of Charges

11-05-2007--Recieved reply ,still investigating.

17-05-2007--Sent Amended L.B.A. for Contractual Interest this time.

14-06-2007--Received standard Bog Off letter.

13-06-2007--Took N1 to Local Courts.

26-06-2007--Copy of N1 from Court, issued 21-06-2007. to Halifax, Deemed Served 25-06-2007

Have till 09-07-2007 to file Defence.

05-07-2007--Note that Acknowledgment of Service been Filed on 29-06-2007.

Have 28 days from date of Service to File Defence.

07-07-2007--Offer from Halifax.

09-07-2007--Rejection letter sent to Halifax. Next day delivery.

10-07-2007--Money put in Account:mad:

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Overflow you have not shot yourself in the foot. As I see it you are in the same position as me, we were both offered a settlement that we have both declinded, it dosnt matter that they have put the cash in your bank, they have until the 23rd of July to come up with with what we both want, if that dosnt happen then we just carry on as normal, ie; 7 day letter or go for judgment!! Keep your chin up and stop doubting yourself, WE CAN and WILL win this!!!!

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Thank You sanand.

 

I hope things start to move on your claim. Youve been very patient , Dont know if I would have had the same mettle to get by like you have.

Hopefully we will both have WINNER put on our threads soon, very soon.

 

Regards :)

30-12-2006--Requested statements from Local Halifax.

02-02-2007--Statements Recieved.

18-04-2007--Prelim sent.

20-04-2007--Reply , Thanks , give us 8wks letter.

02-0502007--Sent L.B.A. & Schedule of Charges

11-05-2007--Recieved reply ,still investigating.

17-05-2007--Sent Amended L.B.A. for Contractual Interest this time.

14-06-2007--Received standard Bog Off letter.

13-06-2007--Took N1 to Local Courts.

26-06-2007--Copy of N1 from Court, issued 21-06-2007. to Halifax, Deemed Served 25-06-2007

Have till 09-07-2007 to file Defence.

05-07-2007--Note that Acknowledgment of Service been Filed on 29-06-2007.

Have 28 days from date of Service to File Defence.

07-07-2007--Offer from Halifax.

09-07-2007--Rejection letter sent to Halifax. Next day delivery.

10-07-2007--Money put in Account:mad:

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Keep your chin up overflow, you too sanand, & miz. I just know your all gonna WIN this thing.

I soooooooooooo agree with sanand, you have NOT shot your self in the foot, all you want is every Penny that's owed to you.

Still keeping everything crossed for all 3 of you, so goodluck.gif to you all.

ja-de

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If you approve of my Post, please tip my scales.

13/07/07 **WON** Halifax

Any advice or opinion I give, is what I have learnt from CAG, If in doubt, please consult a professional.

 

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Thanks for that Ja-De

 

Havent seen you about much today, I hope your ok.

 

It would be great if tomorrow all three of us could get what we want wouldnt it.

Heres hoping , Good news for Lisa though isnt it . So glad for her, shes been put through the mill too

 

Regards :)

30-12-2006--Requested statements from Local Halifax.

02-02-2007--Statements Recieved.

18-04-2007--Prelim sent.

20-04-2007--Reply , Thanks , give us 8wks letter.

02-0502007--Sent L.B.A. & Schedule of Charges

11-05-2007--Recieved reply ,still investigating.

17-05-2007--Sent Amended L.B.A. for Contractual Interest this time.

14-06-2007--Received standard Bog Off letter.

13-06-2007--Took N1 to Local Courts.

26-06-2007--Copy of N1 from Court, issued 21-06-2007. to Halifax, Deemed Served 25-06-2007

Have till 09-07-2007 to file Defence.

05-07-2007--Note that Acknowledgment of Service been Filed on 29-06-2007.

Have 28 days from date of Service to File Defence.

07-07-2007--Offer from Halifax.

09-07-2007--Rejection letter sent to Halifax. Next day delivery.

10-07-2007--Money put in Account:mad:

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Hi overflow, I've not managed to get online much today, been soooooooooooooooooooooooooo busy.

Got an appointment to arrange to move everything from haliprats on Wednesday afternoon, so will let you know how I get on.

It's fantastic news, it won't be long for you, sanand, & miz, just you keep checking that account of yours, cos you never know, they might just put everything they owe you in it.

Off to bed now, soooo, nite nite overflow, hopefully I'll catch you tomorrow.

ja-de xxxx

  • Haha 2

--------------------------------

If you approve of my Post, please tip my scales.

13/07/07 **WON** Halifax

Any advice or opinion I give, is what I have learnt from CAG, If in doubt, please consult a professional.

 

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Well!

 

I have read it!

 

I wouldn't worry about Mr Baker - OH! NO!

 

That's just the "standard/routine" -

"WHAT WE HAVE TO TELL YOU ON THE PHONE" stuff!

 

We'll get it ALL back!

  • Haha 1

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

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Hi Dursary

 

I know its just the old BOG OFF stuff but can be nerve wrackin.

 

I hope your right, be just my luck to get a knock back, but at least I'll have stood my ground.

 

Ive been checkin my bank today to see if they have taken the money as Ive requested.

 

It is STILL THERE.:mad: . I wish they would take it out as its so tempting.

 

Dont want to touch it though. I wonder how long it takes them to take it back out.

 

I really thought that with speaking to the nice Mr B that it would be gone for deffo today.

 

I mean Ive given them authorisation in the rejection letter sent on the 10th what more do they want?

 

They have 6 more days to File Defence ( not counting today).

Just hope they get off the posteriors and do something soon.

 

Was even contemplating giving them a bell again today asking them why the money was still in the account. Might still do , or I could e-mail them I suppose ( Ill need to look for the e-mail address ) .

 

This sitting here waiting is like watcing paint dry.

Its proper doin my head in.

 

Well gonna try and get some stuff done for the Abbey now as every time the phone rings I jump out of my skin thinkin it might be the Haliprats, so if I make myself busy I wont have time to dwell on it will I.

 

Catch you all later I hope

 

Regards :-)

30-12-2006--Requested statements from Local Halifax.

02-02-2007--Statements Recieved.

18-04-2007--Prelim sent.

20-04-2007--Reply , Thanks , give us 8wks letter.

02-0502007--Sent L.B.A. & Schedule of Charges

11-05-2007--Recieved reply ,still investigating.

17-05-2007--Sent Amended L.B.A. for Contractual Interest this time.

14-06-2007--Received standard Bog Off letter.

13-06-2007--Took N1 to Local Courts.

26-06-2007--Copy of N1 from Court, issued 21-06-2007. to Halifax, Deemed Served 25-06-2007

Have till 09-07-2007 to file Defence.

05-07-2007--Note that Acknowledgment of Service been Filed on 29-06-2007.

Have 28 days from date of Service to File Defence.

07-07-2007--Offer from Halifax.

09-07-2007--Rejection letter sent to Halifax. Next day delivery.

10-07-2007--Money put in Account:mad:

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I succumbed to the temptation - I removed the money!

 

Thanks for the *you-know-what* BTW.

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

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Hi money

 

I get the distinct feelin that they are messin with our heads.

 

they seem to be doing this to a lot of people lately.

30-12-2006--Requested statements from Local Halifax.

02-02-2007--Statements Recieved.

18-04-2007--Prelim sent.

20-04-2007--Reply , Thanks , give us 8wks letter.

02-0502007--Sent L.B.A. & Schedule of Charges

11-05-2007--Recieved reply ,still investigating.

17-05-2007--Sent Amended L.B.A. for Contractual Interest this time.

14-06-2007--Received standard Bog Off letter.

13-06-2007--Took N1 to Local Courts.

26-06-2007--Copy of N1 from Court, issued 21-06-2007. to Halifax, Deemed Served 25-06-2007

Have till 09-07-2007 to file Defence.

05-07-2007--Note that Acknowledgment of Service been Filed on 29-06-2007.

Have 28 days from date of Service to File Defence.

07-07-2007--Offer from Halifax.

09-07-2007--Rejection letter sent to Halifax. Next day delivery.

10-07-2007--Money put in Account:mad:

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OOOOOOOOOOOOOHHHHHHHHHHHHHHH Dursary

 

You are awful!!!!!!!!!!!!!!

 

But

 

I like you.;)

30-12-2006--Requested statements from Local Halifax.

02-02-2007--Statements Recieved.

18-04-2007--Prelim sent.

20-04-2007--Reply , Thanks , give us 8wks letter.

02-0502007--Sent L.B.A. & Schedule of Charges

11-05-2007--Recieved reply ,still investigating.

17-05-2007--Sent Amended L.B.A. for Contractual Interest this time.

14-06-2007--Received standard Bog Off letter.

13-06-2007--Took N1 to Local Courts.

26-06-2007--Copy of N1 from Court, issued 21-06-2007. to Halifax, Deemed Served 25-06-2007

Have till 09-07-2007 to file Defence.

05-07-2007--Note that Acknowledgment of Service been Filed on 29-06-2007.

Have 28 days from date of Service to File Defence.

07-07-2007--Offer from Halifax.

09-07-2007--Rejection letter sent to Halifax. Next day delivery.

10-07-2007--Money put in Account:mad:

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Hi money

 

I get the distinct feelin that they are messin with our heads.

 

they seem to be doing this to a lot of people lately.

 

Its all a ploy hoping you will give up - NEVER give up - we will beat them!!! :lol:

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We've got to keep going to the end, & when YOU beat that bank, you will feel sooooooooooo happy, elated & proud of yourselves. You don't have to take my word for it, just ask money or someone else who've have won, or you just wait & see for yourselves!!!!!!!!!!!!

 

Thank you for the click.

--------------------------------

If you approve of my Post, please tip my scales.

13/07/07 **WON** Halifax

Any advice or opinion I give, is what I have learnt from CAG, If in doubt, please consult a professional.

 

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We've got to keep going to the end, & when YOU beat that bank, you will feel sooooooooooo happy, elated & proud of yourselves. You don't have to take my word for it, just ask money or someone else who've have won, or you just wait & see for yourselves!!!!!!!!!!!!

 

Thank you for the click.

 

Yup I agree :D

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Why, thank you money!!!

--------------------------------

If you approve of my Post, please tip my scales.

13/07/07 **WON** Halifax

Any advice or opinion I give, is what I have learnt from CAG, If in doubt, please consult a professional.

 

[sIGPIC][/sIGPIC]

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Ja-DeHi

Yea dont worry nothing is gonna make me stop now,

Ill either sink or swim.

 

If I lose well I have the satisfaction of knowin Ive tryed.

 

It would be great if sanand heard somthin tomorrow shes been through hell, her time is up same as mine.

 

It does get you downthough , what bugs me is the fact that they seem to drag their heels over smaller claims , ad yes it is frustratin when the world and his wife seem to be gettin paid yet theres no sniff of yours.:(

 

Never mind Im gonna look on the bright side the longer it takes to get it means I cant get my hands on it and go on a spendin spree.

 

REGARDS :-)

30-12-2006--Requested statements from Local Halifax.

02-02-2007--Statements Recieved.

18-04-2007--Prelim sent.

20-04-2007--Reply , Thanks , give us 8wks letter.

02-0502007--Sent L.B.A. & Schedule of Charges

11-05-2007--Recieved reply ,still investigating.

17-05-2007--Sent Amended L.B.A. for Contractual Interest this time.

14-06-2007--Received standard Bog Off letter.

13-06-2007--Took N1 to Local Courts.

26-06-2007--Copy of N1 from Court, issued 21-06-2007. to Halifax, Deemed Served 25-06-2007

Have till 09-07-2007 to file Defence.

05-07-2007--Note that Acknowledgment of Service been Filed on 29-06-2007.

Have 28 days from date of Service to File Defence.

07-07-2007--Offer from Halifax.

09-07-2007--Rejection letter sent to Halifax. Next day delivery.

10-07-2007--Money put in Account:mad:

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Batgirl is having the same temptation ;)

Lololol you're not wrong there Moneyhelp!! Got a leaky roof to fix at home, wanna book a holiday...wanna wanna wanna..aagghh! *Ahem..*

 

HIIIII Overflow!

Crikey what a time you have been having, but I really admire you, honestly I do. I sat up until 4am or there abouts reading and re-reading your thread, and others. I went all wobbly when I phoned the H/fax, and to actually refuse money from them felt SOOOO wrong lol, and yet so right! I don't know too much about CI but the way I see it you most deffo did not shoot yourself in the foot.

 

Gonna wander over to my thread now as I have some news (thanks to your suggestion:) ).

 

Chin up!

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Mmmmm!

 

I liked that comment about messing with our heads!

 

I gave my Mr Thornton 7 days to reply to my letters of June 9th.

 

SEVEN + NINE = SIXTEEN

 

Taking into account postal strike .....

 

He has not adhered to my deadline!

 

I think that I will call today!

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

Link to post
Share on other sites

HI Guys

 

Still not taken the money out of my bank, checked this a.m.

 

How long does it take them to do this after all they were quick enough to put it in, and I dont want it there (:( SOB . Cant believe Im saying that.)

 

JUst dont want anything to jepordise my claim , dont know if it would like but not taking any chances.

 

I have a fax number and Im sitting here argueing with myself as to whether or not I should fax them and ask what they are playing at. Do they never honour anyones request?

 

They have just 5 days (not counting today Sanand) LOL. to respond before they have to file a defence . Lord knows they have had enough time to do this.

 

Ok I know they must be run off their feet but surely they should have enough staff to deal with any problems they are experiencing.

 

Oh I dont know what to do , Should I , shouldnt I ?

 

Decisions , Decisions.

 

What are these W (ooooppps:rolleyes: ) Bankers playing at .

 

We are the C.A.Gers

Youve took our money for years and years

We wont let go without a fight

You've heard us ROAR

Now feel our BITE.

 

OMG sad isnt it:p

 

 

Regards :)

30-12-2006--Requested statements from Local Halifax.

02-02-2007--Statements Recieved.

18-04-2007--Prelim sent.

20-04-2007--Reply , Thanks , give us 8wks letter.

02-0502007--Sent L.B.A. & Schedule of Charges

11-05-2007--Recieved reply ,still investigating.

17-05-2007--Sent Amended L.B.A. for Contractual Interest this time.

14-06-2007--Received standard Bog Off letter.

13-06-2007--Took N1 to Local Courts.

26-06-2007--Copy of N1 from Court, issued 21-06-2007. to Halifax, Deemed Served 25-06-2007

Have till 09-07-2007 to file Defence.

05-07-2007--Note that Acknowledgment of Service been Filed on 29-06-2007.

Have 28 days from date of Service to File Defence.

07-07-2007--Offer from Halifax.

09-07-2007--Rejection letter sent to Halifax. Next day delivery.

10-07-2007--Money put in Account:mad:

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Hi again.

 

Ok so Im sitting here getting mader an mader:mad:.

How dare they treat usthis way. Ive decided tosend tem another letter in the hopethat it might make them get their fingers out and give me back my money.

I want torn it past you to make sure it doesnt sound too amatourish , is that how you spell that , doesnt look right. So here goes:

 

Dear Mr Baker

 

Re Claim********

 

I write with regard to my claim against Halifax Plc

Wih reference to our telephone conversation 16-07-07, I wish to respectfully remind you that are in reciept of my letter dated 09-07-07 ,the content of this letter was to decline your offer of £****.** as settlement of my claim.

I requested once again during our conversation on the telephone that you make arrangements for the said amount to be taken back out of my account by yourselves as at no time had I agreed t this arrangement. I wish to point out that your letter dated 06-07-07, which I recieved on 07-07-07, offering the reimbursement, stated that I had 7 days in which to confirm with you if I was in agreement or if I wished to reject your offer.The monies were in fact deposited in my Account on 10-07-07.

This being the case it seems that you had decided to come to that decision for me before i had the chance to reply.

Upon going on-line today I see that the monies in question remain in my Account despite your reassurance during ourtelephone conversatin that you would arrange for them to be taken out.

Irespectfully remind you once again that I am prepared to takethis claim to Cour as I am not satisfied that you will not reimburse me for the full amount for charges going back to 31-12-1999.

This amount being £****.** , this is inclusive of the 8% interest, plus £***.** in respect of the Court Fee, thus bringing the total to £****.**

During our telephone conversation I staed to you that I was prepared not to pursue the CI rate. Therefore I amm willing to settle for whatever the Judge deems acceptable.

I also informed you that I assumed the amount of money you offered me was due to the fact that you had only taken into account the charges levied upon my Account from 28-02-2001 thus not including the charges levied upon my Account from the dates I had submittede to you beginning 31-12-1999.

When I mentioned that I believed this to be the reason that I had been offered less than the amount I am claiming yo informed me that it was not the Policy of the Halifax to reimburse anyone for more than 6 yrs. I requested that you could perhaps send me that in writing but you declined my request.

I think that I am right in thinking the reason behind the decision not to reimburse peole for more than 6 yrs is because of the Limitations Act 1980.

If this is the reason then I contend that the Halifax's actions amount to "concealment" under s32(1)(b) of the Limitations Act.

I wish to stress that the decision to purse this matter of bringing a Claim against the Halifax was not entered into lightly.

I am of the considered opinion that I have taken all steps to try and reach an amicable agreement, but, as of this moment in time , Halifax do not see to want to agree on the amount that I feel is, under the circumstances, only fair.

 

Yours Sincerely

 

Mrs Overflow.

 

 

Sorry its so long but does it sound ok guys.

Any advice please.:)

30-12-2006--Requested statements from Local Halifax.

02-02-2007--Statements Recieved.

18-04-2007--Prelim sent.

20-04-2007--Reply , Thanks , give us 8wks letter.

02-0502007--Sent L.B.A. & Schedule of Charges

11-05-2007--Recieved reply ,still investigating.

17-05-2007--Sent Amended L.B.A. for Contractual Interest this time.

14-06-2007--Received standard Bog Off letter.

13-06-2007--Took N1 to Local Courts.

26-06-2007--Copy of N1 from Court, issued 21-06-2007. to Halifax, Deemed Served 25-06-2007

Have till 09-07-2007 to file Defence.

05-07-2007--Note that Acknowledgment of Service been Filed on 29-06-2007.

Have 28 days from date of Service to File Defence.

07-07-2007--Offer from Halifax.

09-07-2007--Rejection letter sent to Halifax. Next day delivery.

10-07-2007--Money put in Account:mad:

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Thats sounds fine to me Overflow but I am feeling exactly the same as you, nearly at boiling point with them and all their b****y lies and I dont understand why people who filed after us ( you, me, miz and voyager) are being paid out before us??!! None of it makes any sense. I would ask one of the Big Guns to take a look (SSL, Dusary) before posting just to be sure xx

[COLOR=red][/COLOR]

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How do I get them to look ?

sorry if that sounds daft still not 100% on this comp.

30-12-2006--Requested statements from Local Halifax.

02-02-2007--Statements Recieved.

18-04-2007--Prelim sent.

20-04-2007--Reply , Thanks , give us 8wks letter.

02-0502007--Sent L.B.A. & Schedule of Charges

11-05-2007--Recieved reply ,still investigating.

17-05-2007--Sent Amended L.B.A. for Contractual Interest this time.

14-06-2007--Received standard Bog Off letter.

13-06-2007--Took N1 to Local Courts.

26-06-2007--Copy of N1 from Court, issued 21-06-2007. to Halifax, Deemed Served 25-06-2007

Have till 09-07-2007 to file Defence.

05-07-2007--Note that Acknowledgment of Service been Filed on 29-06-2007.

Have 28 days from date of Service to File Defence.

07-07-2007--Offer from Halifax.

09-07-2007--Rejection letter sent to Halifax. Next day delivery.

10-07-2007--Money put in Account:mad:

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